3449 Carmichael St, Palm Harbor, FL 34684 Property Records

Pinellas County property record for 3449 Carmichael St, Palm Harbor, FL 34684

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,746 sqft · built 1984
Lot Size	0.158 acres (6,900 sqft)
Owner	2 Owner Names on File
Last Sale	$185,000 (May 2009)
Tax Bill	$3,673 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C62-000-758-4086-8`

Property Details

APN / Parcel Number

Primary APN	`C62-000-758-4086-8`
Alternative APNs	`05-28-16-38907-000-0220` `162805389070000220` `R43081`

Interior

Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,746 sqft Heated Area
1st Floor Area	1,746 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1995
Exterior Material	Stucco
Construction Type	Concrete Block
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,900 sqft (0.158 acres)
Lot Dimensions	100 ft deep x 69 ft wide
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R43081
Old Parcel Number	162805389070000220
Street Address	3449 CARMICHAEL ST
City	PALM HARBOR
State	FL
Zip	34684-3004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND LAKES UNIT FIFTEEN PHASE 2 LOT 22
Legal Range	16
Legal Township	28
Legal Section	05
Legal Subdivision	HIGHLAND LAKES UNIT FIFTEEN PHASE 2
Legal Phase	2
Legal Lot Number	22
Jurisdiction	PINELLAS FL
Township / Civil Division	TARPON SPRINGS
Census Block Group	2
Census Block	2007
Census Tract	27331

Owner

The current owner of 3449 Carmichael St bought it in May 2009.

Source: Pinellas County records, as of December 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Owner Names on File
Mailing Address	3449 CARMICHAEL ST, PALM HARBOR, FL 34684-3004
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2009 · Amount on File
Deed Sale	May 1, 2009 · Amount on File
Deed Document Number	2009114001
Deed Book / Page	16571 / 374
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PINELLAS FL
Property Address	3449 CARMICHAEL ST, PALM HARBOR, FL 34684-3004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ANCLOTE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210661542
Date	Jul 6, 2020
Book Page	21066/1542
Instrument	2020200206

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3449 Carmichael St was $3,673 with a homeowner's exemption.

Source: Pinellas County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Pinellas County
Unified School District	Pinellas County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,673.00 Homeowner's exemption	$235,717	$334,014 Land $88,382 Building $245,632
2023	$3,409.00 (+3.12%) Homeowner's exemption	$222,402 (+3%)	$280,280 (+1.33%) Land $107,016 Building $173,264
2022	$3,306.00 Homeowner's exemption	$215,924	$276,595 Land $135,754 Building $140,841

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3449 Carmichael St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective April 12, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 45 policies
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	45 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2024 · Hurricane Milton

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3449 Carmichael St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.7% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PINELLAS COUNTY UTILITIES serves 506,353 people · EPA ID FL6521405
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2020) action level 15 ppb

Violations Reported to EPA

Listed by EPA as a serious violator for missed monitoring and reporting.

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	17 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 473 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
WOW Internet, Cable & Phone Cable	1,200 / 50
Spectrum Cable	1,000 / 1,000